Black Coinbase One card face with Genesis Block text and a silver chip

Genesis BlockStandard card design

Source checked23 sourcesLast checked Oct 11, 2026

American Express revolving credit card

Coinbase One Card

Coinbase One Card earns 2% in BTC on eligible purchases, with rates up to 4% for larger Coinbase balances within a shared monthly spend cap. This U.S. Amex credit card requires a paid Coinbase One membership from $49.99 a year; credit approval and variable interest apply.

View Coinbase Compare card

Best fit

Existing Coinbase One members who already pay for an eligible plan.
Everyday credit-card spending with 2% back in BTC on eligible purchases.
Booking through Coinbase One Card Travel for 5% back in BTC.

Before you choose

Eligible membership starts at $49.99/year; Basic monthly does not qualify.
4% needs $200,000 on Coinbase; boosted rates cover $10,000/month of spend.
U.S. residents only, excluding territories; credit approval is required.

01 · Fees & limits

Card costs

ItemValueConditions & scope

Required membership$49.99/yearMinimum eligible Basic annual subscription. There is no separate card annual fee while eligible membership remains active.

Purchase APR19.49-29.49%Variable rates in the May 11, 2026 secured and unsecured agreements. The accepted offer and later Prime-linked changes determine your rate; interest applies to carried purchase debt.

Grace periodAt least 21 daysPay the entire statement balance by the due date to avoid interest on eligible purchases. Cash advances have no purchase grace period.

RepaymentBank / USD / cryptoPay from a verified linked US bank or an accepted Coinbase USD or crypto wallet balance. Crypto is converted to USD with a transaction-specific spread; this repays debt rather than topping up a card balance.

Crypto repayment spreadNot disclosedCrypto repayment has no separate transaction fee, but the conversion spread varies by transaction. The percentage is not published.

Provider FX markup0%0% foreign transaction fee; Amex conversion rates remain separate

Cash advance fee5%; min $10Cash advance: greater of $10 or 5%, plus variable interest from posting and possible ATM-operator fees

Limits and secondary fees

ItemValueConditions & scope

Cash advance APR32.24%Variable rate disclosed on May 11, 2026 for both variants; the current account rate may differ. Interest starts when the cash advance posts, in addition to the transaction fee.

Unsecured credit limitPersonalizedYour approved offer determines the limit. No universal daily or monthly purchase ceiling is published.

Secured initial limit$200-$5,000Only an optional secured offer uses an equal USDC security deposit. This is not the unsecured limit or a fee; collateral stays locked until closure and settlement.

Late paymentUp to $41The card terms permit a late-payment fee up to this amount.

Returned paymentUp to $41A returned payment can incur this fee under the card terms.

Paper statement$5Charged for a paper statement under the cardholder agreement.

Declined transactionNot disclosedNo reusable declined-transaction fee is published.

02 · Plans & rewards

BTC cashback

Entry rate2%

Any eligible Coinbase balance

Maximum rate4%

$200,000 minimum balance

Reward assetBTC

Eligible spend at full rate$10,000 / month

Shared by boosted tiers; then 2%

Travel portal cashback

CategoryRateEligible purchases and cap

Flights, hotels & car rentals5%

Book through Coinbase One Card Travel and pay with an active card.

Uncapped; replaces standard cashback

Travel rewards do not use the boosted-tier purchase allowance.

Cashback levels

A paid Coinbase One membership is required. Basic monthly is not eligible.

1-3 / 4

Balance tier

Tier 1

Assets on Coinbase

$0minimum balance

Cashback: 2% in BTC
Full-rate spend: Uncapped at 2%

Balance tier

Tier 2

Assets on Coinbase

$10,000minimum balance

Cashback: 2.5% in BTC
Full-rate spend: Shared $10,000/month; then 2%

Balance tier

Tier 3

Assets on Coinbase

$50,000minimum balance

Cashback: 3% in BTC
Full-rate spend: Shared $10,000/month; then 2%

Tier details

Balance calculation: Eligible retail Coinbase balances: current balance for the first 60 days, then the 30-day average of daily closing balances.
Monthly allowance: Boosted tiers share one $10,000 monthly purchase allowance. Refunds do not restore it; later purchases earn 2%.
Membership: Eligible plans: Basic annual, Preferred or Premium. The account must be in good standing. The subscription plan does not set the cashback tier.
Reward payout: BTC goes to the Coinbase Digital Asset Wallet, normally when a purchase posts. Delays of up to 30 days or an eligibility review can apply. Merchant coding, exclusions, reversals and clawbacks apply.

03 · Everyday use

Card access & apps

Card access

American Express network
Virtual card
Physical card
ATM withdrawalsConditional

Wallets & apps

Apple Pay
Google Pay
iOS app
Android app
Web appLimited
Some management actions require the mobile app.

04 · Money in and out

Balance, payments & transfers

Balance & payments

USD credit line

First Electronic Bank provides the credit account; purchases do not spend the Coinbase wallet balance directly.

Credit account

The secured offer has a $100 minimum and $100 to $5,000 range in current Help, with the accepted offer controlling the amount. Collateral cannot be traded, transferred or withdrawn while locked.

Money in

Linked US bank accountCostNot disclosedDetails

Timing: Not disclosed
Limits: Account-specific
Scope: USD repayment
How it works: USD payments from a verified linked bank repay the credit balance. They do not deposit cash into a spendable card account.

Coinbase USD or crypto balanceCostCrypto spread variesDetails

Timing: Not disclosed
Limits: Account-specific
Scope: USD / accepted crypto
How it works: An accepted Coinbase wallet balance can repay card debt. Crypto is sold for USD; supported repayment assets are shown in the app, not inferred from the exchange's deposit network list.
Fee breakdown: No separate crypto-repayment transaction fee; a transaction-specific conversion spread applies. The percentage is not published.

Money out

ATM cash advanceCost5%; min $10 + interestDetails

Timing: Not disclosed
Limits: Issuer-set sublimit
How it works: Available only if the issuer enables cash advances on your account. This borrows against a separate cash sublimit; it is not a withdrawal of Coinbase assets.
Fee breakdown: Cash advances cost the greater of $10 or 5%. Interest starts when the advance posts, and ATM-operator fees may apply.

USDC collateral releaseCostNot disclosedDetails

Timing: The bank generally releases its security interest within 10 days. Coinbase usually releases USDC within two business days after instruction. Neither period is guaranteed.
Limits: Remaining collateral
Scope: After account closure
How it works: The optional secured card must be closed and all debt settled. Remaining USDC is released to the Coinbase wallet; collateral can first be sold against debt, including on voluntary closure, and any shortfall remains payable.

05 · Credit & yield

Yield & access to your funds

USDC Rewards on secured collateralCollateral creditRateUp to Variable account rate APYCard relationshipCollateral for credit

Yield source: Coinbase-funded loyalty rewards
Strategy manager: Coinbase
Withdrawals: Closure and full settlement are required. The bank generally releases its security interest in excess USDC within 10 days; Coinbase usually releases it within two business days after instruction. Either phase may take longer.
Asset: USDC
Card relationship: Yield position can support collateral-backed card credit
Separate Earn deposit: No
Deposit insurance: No

Current rates and access terms for USDC Rewards on secured collateral are set by the provider.

Risk noteCoinbase funds USDC Rewards as a loyalty programme; the current rate varies by account and can change. USDC has peg and custody risk and no FDIC or SIPC protection. Locked collateral can be sold to settle debt, including on voluntary closure; the borrower remains liable for a shortfall.

06 · Trust and eligibility

Availability & providers

Identity & KYC

Required

Identity verification is required to access card services.

Availability

1 country in the residence perimeter

Residence in one of the listed countries is required but does not guarantee card access; identity and account checks still apply.

Residence perimeter: 1 countriesPublished regional guidance; final access remains account- and KYC-dependent.
Final access check: Confirm during signupCountry guidance does not guarantee access; programme assignment and KYC still apply.

Residence eligibility perimeter1 countries · access still account-gated

United States

Who handles what

The named organisations and their current roles are listed below.

RoleHandled byResponsibility and scope

Card productCoinbase

Provides the product and account experience. Named legal operators appear separately.

Custody controlCoinbase + programme partners

Controls settlement until payment.

Custodial account

Card issuerFirst Electronic Bank

Issues the card and credit account

Custody / key managementCoinbase, Inc.

Administers BTC rewards and holds the Digital Asset Wallet

07 · Methodology

Why the score is 56

Missing or undisclosed fields receive no positive credit.

56/100

Mixed

Higher is better

Cost efficiency 57

Rewards value 31

Everyday usability 83

Funding & transfers 35

Availability & eligibility 57

Custody & control 44

Company & infrastructure 73

Key score driversLargest effects after applying the Overall category weights

Strongest lift83

Everyday usability

American Express spending includes virtual card, physical card, Apple Pay and Google Pay.

Additional support73

Company & infrastructure

Named programme infrastructure includes First Electronic Bank (issuer) and American Express (network).

Main constraint31

Rewards value

2% base cashback and up to 4%; higher rates depend on complex conditions, paid in BTC.

08 · Offers & news

Latest from Coinbase One Card

NewsOct 6, 2026

Coinbase publishes October BTC Drops rules

October rules describe one $100,000 BTC prize and 100 $500 BTC prizes for eligible U.S. participants. A conflicting closed-promotion banner remains on the card landing page.

See all 1 news update for Coinbase One Card

09 · Card comparison

How Coinbase One Card compares to others

1 / 3

Current card

Coinbase One Card

A stainless steel card and virtual card support Apple Pay and Google Pay.

Card: Credit line Other network, Virtual + Physical
Funds control: Custodial balance
Cashback: 2%–4%
FX fee: 0% foreign transaction fee; Amex conversion rates remain separate
Apps: iOS, Android, Web app
Funding routes: USD credit line
Yield setup: Borrowing against collateral

Similar match

Orange Gemini Bitcoin Credit Card Mastercard front

Gemini Credit Card

A metal card and digital card work with Apple Pay, Google Pay and Samsung Pay.

Card: Credit line Mastercard, Virtual + Physical
Funds control: Custodial balance
Cashback: 1%–4%
FX fee: $0 foreign transaction fee; Mastercard exchange rates and credit interest remain separate
Apps: iOS, Android, Web app
Funding routes: USD credit line
Yield setup: One optional yield product

Similar match

Nexo Card

Use Debit Mode for balances or Credit Mode backed by crypto collateral.

Card: Credit line Mastercard, Virtual + Physical
Funds control: Custodial balance
Cashback: 0.5%–2%
FX fee: 0.2%–2.5%
Apps: iOS, Android, Web app
Funding routes: Account: Crypto, Bank + Internal deposits
Yield setup: Yield on the spendable balance

Want a deeper comparison?

Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.

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10 · Evidence

Sources

23 sources23 officialChecked Oct 11, 2026

Primary sourcesOfficial product, fee, membership and legal pages

Coinbase ProductOfficial source ↗Coinbase HelpOfficial source ↗Coinbase DropsOfficial source ↗Coinbase USDC Rewards termsOfficial source ↗Coinbase One Card application and U.S. eligibilityOfficial source ↗Coinbase One Card - Overview | Coinbase HelpOfficial source ↗

Unconfirmed details6 items

These details have not been verified for this profile. Missing information does not mean a service is free or available.

Current Personalized Apr is not confirmed
Unsecured Credit Limit Amount is not confirmed
Cash Advance Limit Amount is not confirmed
Crypto Repayment Spread Percent is not confirmed
Repayment Crypto Asset Network Allowlist is not confirmed
Shipping Fee is not confirmed

Help keep this page accurate

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Tell us what changed and, if possible, include an official source. We review corrections before updating public card facts.

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Coinbase One Card

Cashback levels

A paid Coinbase One membership is required. Basic monthly is not eligible.

1-3 / 4

Balance tier

Tier 1

Assets on Coinbase

$0minimum balance

Cashback: 2% in BTC
Full-rate spend: Uncapped at 2%

Balance tier

Tier 2

Assets on Coinbase

$10,000minimum balance

Cashback: 2.5% in BTC
Full-rate spend: Shared $10,000/month; then 2%

Balance tier

Tier 3

Assets on Coinbase

$50,000minimum balance

Cashback: 3% in BTC
Full-rate spend: Shared $10,000/month; then 2%

Coinbase One Card

Best fit

Before you choose

Card costs